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What's the average car insurance rate in Richardson?

 

The average car insurance rate in Richardson, Texas, is $1,542 per year. That's more than the average in Texas ($1,415) and less expensive than the national average of $1,548. Our guide to car insurance in Richardson — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.

 
CAR INSURANCE RATES IN RICHARDSON
Richardson Average (yearly) Texas Average United States Average
$1,542 $1,415 $1,548
 
Jump to Richardson car insurance premiums by:

 


 

Richardson auto insurance rates by company

 

The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly (it's free and easy!) and choose your insurer carefully. For a typical driver, USAA offers Richardson's cheapest rates. See below the best companies for cheap auto insurance in Richardson — but don't forget to get personalized car insurance quotes to match your driving profile.

 
RICHARDSON CAR INSURANCE PREMIUMS BY COMPANY
Insurer Average Annual Rate
USAA $1,294
GEICO $1,373
State Farm $1,500
Allstate $2,417
 

Read our guide to finding the best cheap auto insurance.

 
 

 

Auto insurance premiums by age in Richardson

The age group that enjoys the lowest auto insurance rates in Richardson are drivers in their 50s, who pay an average of $1,337 per year. Those in their 60s don't pay significantly more ($1,386).

The Richardson drivers who face the priciest insurance rates are teenagers. One of the most effective ways to get cheaper car insurance rates as a driver in Richardson is to celebrate your 20th birthday. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Richardson is $1,984, the largest such difference between any two age brackets.

 
RICHARDSON CAR INSURANCE RATES BY DRIVER AGE
Age bracket Average Annual Rate
Teens $3,997
20s $2,014
30s $1,517
40s $1,478
50s $1,337
60s $1,386
70s $1,714
 

Learn more about the impact of age on car insurance premiums.

 
 

 

Richardson auto insurance rates by marital status and gender

 

Marital status and gender can be contributors to car insurance rates, in some cases. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Richardson pay $100 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Richardson, single drivers pay more than those who are widowed.

Gender is another factor that can impact auto insurance costs. In Richardson, the gulf in car insurance costs between genders is $8 per year, with male drivers paying more than female drivers.

 
RICHARDSON AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital Status Average Annual Rate
Female $1,534
Male $1,542
Single $1,442
Married $1,442
Divorced $1,542
Widowed $1,406
 

Read more about the relationships between gender, marital status and insurance rates.

 
 

 

Richardson car insurance costs by citation and accident history

 

Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Richardson, a reckless driving citation results in an average insurance rate increase of $845 per year, compared to the citywide average. For comparison's sake, a DUI offense results in an $866 increase and a speeding ticket triggers a $132 rate hike.

 
RICHARDSON CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/Incident Average Annual Rate
DUI/DWI $2,408
Reckless Driving $2,387
At-fault Accident (damages < $1,000) $1,950
At-fault Accident (damages greater than $2,000) $2,342
Speeding Ticket (16-20 mph over speed limit) $1,674
 

Learn more about the impact of driving violations on car insurance rates.

 
 

 

Richardson car insurance costs by credit level

 

One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. Richardson drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 61% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Richardson, improving your credit to "Fair" could help you earn a $1,324 decrease in annual car insurance rates.

 
RICHARDSON CAR INSURANCE RATES BY CREDIT SCORE
Credit Level Average Yearly Rate
Very Poor $3,239
Fair $1,915
Good $1,542
Very Good $1,432
Exceptional $1,271
 

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

 
 

 

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Ross Martin photo
Ross MartinManager, Content Quality

Ross joined The Zebra as a writer and researcher in 2019. As a licensed insurance agent, he specializes in writing insurance content to help shoppers make informed decisions.

Ross holds a master's degree from Royal Holloway, University of London and has a background in copywriting and education. As a former teacher, he applies his educational skills to explain insurance concepts in ways that consumers can understand.

Ross's work has been cited by The New York Times, AxiosInvestopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.